Imida mboleko yesiqhelo iya kwanda ukusuka $647,200 ngo 2022 ukuya $726,200 kwiindawo ezininzi US, ukwanda malunga 12 ekhulwini;imida kwiindawo ezinexabiso eliphezulu nazo ziya kwanda, ukusuka kwi-970,800 yeedola ukuya kwi-1,089,300 yeedola.*Kumakhaya eyunithi ayi-1

Eli lixesha lokuqala embalini ukuba urhulumente wobumbano wase-US uqalise ukuxhasa imali mboleko yezindlu ngaphezulu kwe-1 yezigidi zeedola, olu luphawu olubaluleke kakhulu!Kukwabalulekile kubo bonke abathengi bamakhaya.

Ngoko ke yintoni kanye kanye uMda weMali-mboleko oThobelayo (CLL)?

Uthini umda wemali-mboleko yesiqhelo?

Ukuze siqonde ukuba yintoni umda oqhelekileyo wemali-mboleko, kufuneka siqale siqonde ukuba yintoni na imali-mboleko eqhelekileyo (iMali-mboleko eQhubelanisayo).

Imali-mboleko ehambelanayo lolona hlobo luxhaphakileyo lwemali-mboleko kwimarike yase-US namhlanje, kwaye uninzi lwabathengi bafaka isicelo solu hlobo lwemali mboleko.

Ezi mboleko azikho ngqongqo ngokweemfuno zomthengi kwaye ziluncedo lukarhulumente kubathengi abanamaxabiso aphantsi okuthenga, okuvumela abathengi abanamanqaku asezantsi etyala kunye neentlawulo ezisezantsi zokuthenga ikhaya.

Ngokomthetho, iiMali-mboleko ezihambelanayo zivunyiwe phantsi kwemithetho kaFannie Mae kunye noFreddie Mac.

Zombini iinkampani ziya kubeka iimali-mboleko njenge-Mortgage-backed securities (MBS) kwaye zithengise kubatyali-mali kwimarike evulekileyo.

Ngenxa yokunyuka kwamandla okuhlawula amatyala kunye nenkxaso karhulumente, izinga lenzala lemali-mboleko ehambelanayo lihlala lisezantsi kunelo lemali-mboleko engangqinelaniyo kwaye imvume ayingqongqo kangako, kodwa kwangaxeshanye isixa-mali semali-mboleko onokuthi uyifumane ngolu hlobo lwemali-mboleko ungabi mkhulu kakhulu.

Ngoko ke i-Conforming loan yi-mortgage ehlangabezana nemilinganiselo yemali-mboleko ebekwe nguFannie Mae noFreddie Mac, kunye noFannie Mae noFreddie Mac banokuthenga kuphela iimali-mboleko ezingaphantsi kwaloo mda wemali-mboleko.

Imida, ibekwe yi-Federal Housing Finance Agency (FHFA).

Ibekwa njani imida kwiimali-mboleko eziqhelekileyo?

Njengoko ikhaya lixabisa ixabiso ngokuhamba kwexesha, uMthetho wokuBuyiselwa kweZindlu noQoqosho (iHERA), owapasiswa ngurhulumente wase-US ngo-2008, ubonelela ngohlengahlengiso lonyaka kwimida yemali-mboleko eqhelekileyo kwaye useka ifomula esisigxina yemida yemali mboleko ukuze kuphendulelwe utshintsho kumaxabiso aphakathi kwezindlu. eUnited States.

Umda ubekwe yi-Federal Housing Finance Agency (FHFA), ejonga utshintsho lwepesenti kumaxabiso asekhaya aphakathi ukusuka kunyaka odlulileyo ochazwe yi-Federal Housing Finance Board (FHFB) ngo-Oktobha wonyaka ngamnye ukulungisa umda wemali mboleko yesiqhelo, eya kubhengezwa ngoNovemba olandelayo.

Itshathi engezantsi ibonisa utshintsho kwiMida yeMali-mboleko esuka ku-1980 ukuya ku-2023, esebenza kuninzi lwe-United States.

Ukusukela ekuqaleni kuka-2020, umda wemali mboleko yesiqhelo ka-2023 ubone ukonyuka okubalulekileyo njengoko imfuno yendawo yokuhlala iye yanda ngenxa yokurekhodwa kwamaxabiso aphantsi emali-mboleko kunye nendlela yokusebenza ekhaya, kwaye amaxabiso aphakathi kwentengiso yasekhaya e-US anyuke phantse ama-40%.

Ngelixa i-FHFA ibeka isiseko kwimida yemali-mboleko eqhelekileyo, idolophu nganye inemida yayo yesiqhelo yemali-mboleko.

Oku kungenxa yokuba kwezinye iindawo apho amaxabiso ezindlu angaphezulu komndilili wesizwe, njengesiXeko saseNew York, eSeattle, naseSan Francisco, ixabiso lekhaya eliphakathi lifikelele kwi-115% okanye ngaphezulu kumda wemali-mboleko eqhelekileyo.

Kwezi ndawo, i-FHFA ivumela iimali eziphezulu ukuba zibolekwe kwimali-mboleko eqhelekileyo (i-Super Conforming Loans), ekwaziwa ngokuba yi-High Balance Loans.

Kwimali-mboleko ePhakamileyo, iHERA ifuna ukuba eyona mali ibolekiweyo iphezulu ingagqithi kwi-150% yoMda weMali-mboleko eThobelanayo.

Kusetyenziswa iindawo ezine ezineendleko eziphezulu ezichongwe ngokusemthethweni njengemizekelo yaseAlaska, eHawaii, eGuam, nakwiZiqithi zase-US Virgin.I-2023 High Balance Loan umda yi-150% ye-Conventional Loan limit, okanye i-$ 1,089,300.($726,200*150%=$1,089,300)

Ingaba oku kubachaphazela njani abathengi bezindlu?

Imida yemali-mboleko ephezulu yesiqhelo ithetha ukuba abathengi basekhaya banokufikelela ngokulula kwiimfuno eziqhelekileyo zemboleko, kwaye iimali-mboleko eziqhelekileyo ezihlangabezana nemida zidla ngokuba nee-APR ezisezantsi kunye neentlawulo eziphantsi zenyanga zababoleki.

Iimali-mboleko ezidlula i-caps kwimida yemali-mboleko eqhelekileyo zibizwa ngokuba yiJumbo Loans, enenzala ephezulu kuneeMali-mboleko eziVumelanayo.

Kodwa ngokunyuka kwamaxabiso amathandathu e-Fed apha enyakeni, inzala yemali-mboleko yesiqhelo inyukile.Ngokwezibalo zamva nje ezivela kuFreddie Mac, umyinge wenzala kwimali-mboleko yeminyaka engama-30 yemali-mboleko emiselweyo yi-6.49%, kabini into ebiyiyo ekuqaleni konyaka!

Kodwa ngoku i-AAA LENDINGS ibonelela ngemveliso yeJumbo Loan enenzala ephantsi njenge5.250%!